An Accident Happened - Don't Panic! What Drivers Say About OSAGO and CASCO

Анна Федорова Society / Exclusive
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An accident occurred - don't panic! What drivers say about OSAGO and CASCO




Nurlan Ataybekov, a resident of Bishkek, was involved in an accident at the intersection of Mahatma Gandhi and Mozhaysky streets when his Samsung car was hit by a HOWO truck. "The traffic police quickly arrived at the scene of the incident and sent my car to the impound lot. After that, the insurance company assessed the damage, and within less than a month, I received compensation of 150,000 soms," he reported.

He also recommended that other drivers not ignore the possibility of purchasing an OSAGO policy: "Even if accidents do not happen, having insurance can be a great support in a difficult moment." Marlen Nurbekov, also a victim of the accident, stated that the damage from his accident amounted to 327,000 soms, of which 150,000 is covered by his insurance company.

"A month ago, I was in an accident, and after the damage assessment, the insurance paid me the funds. However, under the terms of OSAGO, the maximum payout is limited to 150,000 soms, so the remaining amount must be compensated by the at-fault party," he explained.

Adilet Torobekov, another resident of the capital, collided with a dog on the road at the end of February. Fortunately, he had previously obtained a CASCO policy for his car.

"I was driving on the road when suddenly a dog ran out onto the roadway. The traffic police and accident commissioners arrived at the scene. The impact was on the bumper, and the damage was assessed at 80,000 soms. Within 12 days, I already received a payment certificate," Torobekov shared.

It is important to note that the branch of the State Insurance Organization in Bishkek paid compensation to 31 drivers under OSAGO and CASCO policies totaling 2,906,000 soms.

Recall that OSAGO is mandatory insurance for civil liability of vehicle owners, while CASCO is a voluntary policy that protects the vehicle itself.
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